This is a little sad, but as 2011 came to a close I started to get an inkling of excitement … not about 2012 and new beginnings … no, no. I was excited about completing a whole year’s worth of tracking every fils that came in or out of my proverbial purse. Perhaps what I […]

Every year, around June, I start looking for behavioural trends in my spending pattern. Often I find that my spending on particular category tells a story … and what better story than that of food. Unsurprisingly, over 50% of all my expenditure is on food. The graph above shows that I barely spend anything on […]

If you plan on reducing your expenses, the first place to look is probably your spending behaviour. I was actually surprised at how regular personal spending can be. I track all my expenses and yes they’re pretty predictable: food, clothing, gas, even accidental ‘big’ spends (like a spare tyre, gifts, broken phone, medical, etc.) average […]